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OSFM »   Risk Mgmt. »   Automobile Liability and Physical Damage

Automobile Liability and Physical Damage

State Automobile Liability Certificate of Insurance (COI)

Auto Liability COI 2022-23

Automobile Liability

NCGS § 58-31-50. Liability insurance required for state-owned vehicles. Every department, agency or institution of the State shall acquire motor vehicle liability insurance on all state-owned motor vehicles under its control. (1959, c. 1248; 1983, c. 717, s. 10.)

The State self-insures predictable losses and purchases insurance for catastrophic losses. Coverage is provided for property damage and bodily injury to others (non-State employees). The liability insurance program is administered by Travelers Insurance Company on any automobile licensed to or operated by the State or its employees. Such coverage is deemed adequate by the State and State agencies are not authorized to purchase higher limits for individual employees.

The automobile liability insurance coverage limit is $1,000,000 for bodily injury/property damage ($10,000,000 aggregate per accident). The coverage is automatic and state agencies complete a self audit at the beginning of the fiscal year using the NCAIA Auto Web.

Auto Physical Damage

Physical Damage insurance provides collision and comprehensive coverage for scheduled vehicles. State Agencies must individually schedule vehicles on the Auto Physical Damage policy for the desired coverage using the NCAIA Auto Web. 

The Department of Insurance, Risk Management Division should be contacted for additional information 919-647-0060 or 919-647-0000.

FAQs for Personal Vehicle Use For Approved State Business

How is the employee's personal vehicle covered by insurance when used for State business?

When employees use their personal vehicle for State business, the employee's personal automobile insurance provides primary coverage. Individuals who use their personal vehicle for State business on a routine basis should report the same to their insurance company for rating purposes.

The State's liability insurance may provide excess liability coverage after all valid and collectible insurance has been exhausted. 

The State's automobile insurance will not reimburse individuals for deductibles under their private insurance.

 

When should I report an accident using my personal vehicle for State business to the State's insurance carrier?

The state employee will make a claim for an accident with their personal vehicle auto insurance policy carrier. At the same time the state employee can make a claim for excess coverage on the State's auto policy by contacting the person or department for their State agency that reports the State vehicle claims. 

Contact NCDOI Risk Management for assistance at 919-647-0060 or 919-647-0000.

Risk Mgmt.

  • Athletic Accident Coverage
  • Automobile Liability and Physical Damage
  • Firefighter Cancer Benefit Program
  • Training, Education and Resources
  • Boiler and Machinery
  • Employee Dishonesty and Computer Fraud
  • Excess Liability For State Employees
  • POELIC
  • Services For Local Governments
  • State Property Fire Insurance Fund
  • School Insurance Fund
  • Risk Management Contacts

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North Carolina Office of State Fire Marshal

Physical Address:
Albemarle Building
325 N. Salisbury Street
Raleigh NC 27603-5926

Mailing Address:
Office of State Fire Marshal
1201 Mail Service Center
Raleigh NC 27699-1201

Toll Free 800-634-7854

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https://www.ncosfm.gov/risk-mgmt/automobile-liability-and-physical-damage